ski holidays, skiing holidays & winter holidays (home) > travel insurance

We at ETI International Travel Protection hope that your holiday runs smoothly from beginning to end. Nevertheless, it is a sad reality that things can and do go wrong on an active holiday abroad. Therefore it is vital that all holidaymakers possess adequate travel insurance when booking and embarking on a holiday abroad.

What cover do I need?
At ETI we have devised two products for you to choose in order to ensure you get the protection you need:

Cancellation Cover
Travel Protection Package

Both insurances can be effected up to 14 days after your online booking, in case of bookings within 30 days before travel departure only in combination with the booking.

Who is the Insurer
ETI InternationalTravel Protection (ETI) the UK Branch of Europaische Reiseversicherung AG Munich, registered at Companies House FC25660, BR 007939.

ETI is licensed by the German Bundesanstalt fur Finanzdienstleistungsaufsicht (BAFin – www.bafin.de) and approved by the Financial Services Authority (FSA – www.fsa.gov.uk) to undertake insurance business in the UK.

ETI International Travel Protection is a member of the:

Financial Ombudsman Service – www.financial-ombudsman.org.uk

Association of British Insurers – www.abi.org.uk

Financial Services Compensation Scheme – www. fscs.org.uk

The European Travel Insurance Group (ETIG) – www.eti-group.biz

How do I make a claim on my insurance if my holiday has to be cancelled for an insured reason?
After the lead passenger has informed us of the cancellation of someone in his or her party, we will issue a new Booking Confirmation (Cancellation Confirmation) including an invoice for the cancellation fees that have arisen. The cancellation fees must be paid to the tour operator. If the individual has purchased cancellation insurance and is cancelling the holiday due to an insured reason (see policy for details), the individual must contact the insurance provider, stating the number on insurance certificate, to be reimbursed the cancellation fees. The number on the insurance certificate is identical to the Booking Confirmation number. You will find the contact details for the insurance provider on the insurance certificate. The insurance will notify you as to which documents are necessary (i.e. Cancellation Confirmation, medical report) to receive your reimbursement. Please note that a claim must be filed.

ETI Independently Appointed Claims Handlers
Fogg Travel Insurance Services
Crow Hill Drive, Mansfield, Notts, NG19 7AE
Tel: 00 44 (o) 1623 631331

Please note:
These covers are for residents of the United Kingdom. Rates apply to those aged 69 years old and younger at the date of travel. Policies do NOT provide cover for re-occurring or pre-existing medical conditions. All premiums include 17.5% insurance premium tax.

A note about policy excess:
Both the Cancellation Cover and Travel Protection policies include excesses. This means you are responsible for this portion of the claim

Maximum Limits and Inner Limits:
This policy provides a maximum indemnity that ETI will provide. Within this policy there are also inner limits within the sections of cover, for example Emergency Medical Expenses whilst it covers up to £5 million. The Emergency Dental Cover is £250. Under Personal Possessions Cover the maximum indemnity is £1,500. However, there is a single article limit of £200 and a valuables limit of £200.

Please click HERE to view the full ski travel insurance.

	Travel Cancellation Insurance	Travel Protection Package
Travel Cancellation Insurance
Curtailment Cover
Travel Health Insurance with Medical Emergency Assistance
All-round Carefree Service
Travel Baggage Insurance
Insurance Cover for Delay

Premiums (depending on holiday price)	Travel Cancellation Insurance	Travel Protection Package
up to £235 per person	£14	£27
up to £470 per person	£16	£29
up to £790 per person	£18	£32
up to £1180 per person	£20	£38
up to £1580 per person	£22	£42

Cancellation charges
- up to amount purchased
- cancellation due to serious illness or accident

Cancellation charges up to amount purchased (see above)
Departure delay
- £20 after first 12 hours
- £10 after following 12 hours
- up to a maximum of £100
Missed departure
- up to £800
Personal property
- up to £200 for each individual item
- up to an overall total of £200 for valuables
- up to a maximum of £1,500 in total
Possessions delayed in transit for more than 12 hours
- essential items up to £100
Ski equipment
- Ski equipment up to £400 for each individual item
- Own ski equipment up to £800 in total
- Hired ski equipment up to £400 in total
Ski equipment delayed in transit for more than 12 hours
- up to £100
Personal money
- up to £250 in cash on your person
- up to £500 in total
Loss of travel documents
- Travel and accommodation costs necessary to replace your lost travel documents up to £250
Emergency medical expenses
- up to £5,000,000 outside your home country
State hospital benefit
- up to £20 for each full day you are confined to a hospital bed in a state hospital up to a maximum of £500
Loss of ski pack
- up to £25 per day
- up to £250 in total
Curtailment (cutting short trip)
- unused portion of costs up to £600
Personal liability
- up to £1,000,000
Personal accident
- £10,000 for your accidental death
- £10,000 for loss of arms or legs
- £10,000 if you are permanently unable to work after an accident on your trip
Legal advice and expenses
- up to £25,000
Piste closure
- £20 per day towards the costs you have to pay to travel to another resort, up to a maximum of £100
- £15 for each full day you are unable to ski up to a maximum of £100, if your resort stays closed and there is no other resort available
Avalanche closure
- up to £100 for reasonable additional travel and accommodation expenses
Travel health insurance
Be insured during holidays abroad
-expenses for doctors, hospital, medicine
- doctor-ordered return transportation (also air rescues)
- analgesic dental treatment, required inlays simple type, repairing of prosthesis
- repatriation costs in case of death
- no excess
Luggage insurance
Insurance sum €1,000.
The insurance covers
- luggage that was checked in or delivered in trust against theft or robbery and loss or damage during transport
- loss, demolition and damage due to fire, lightning strike, explosion, storm, flood, landslip, earthquake and avalanche
- substitute purchases in case of late delivery of travel luggage up to €500
- damage to jewellery, stainless steel objects, furs, photographic, cinematographic and video equipment up to 50% of the insurance sum
The reimbursement represents the current value up to the amount of the insurance sum provided that the stipulated insurance sum complies with the total value of the personal travel luggage.
Emergency insurance
the following items are insured
- in case of sickness or accident: organisation of visit to patient including costs for outward and return journey if hospital stay exceeds 10 days
- expenses for hospitalisation up to €12,500
- expenses for search, rescue and recovery up to €5,000
- provision of required substitute remedies and their forwarding charges
- cash advance for bail up to €12,500
24-hour emergency hotline
Insurance Cover for Delay
- For delay of public transportation, e.g. bus, additional costs for the outward or return journey respectively will be reimbursed up to €1,500.
- For delayed luggage delivery, the costs of necessary replacement items, up to €250, will be reimbursed.
- Excess according to the insurance terms and conditions

The service description reflects excerpts of the insurance coverage. The insurance contract is underlied by the terms and conditions of the Europäische Reiseversicherung AG (VB-ERV 2007). The agreed upon insurance sums establishes a cap for reimbursement services. The complete terms and conditions of the insurance and important information can be found on the insurance certificate. The product information sheet can be found at www.pib-erv.de or contact@erv.de.

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